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<h1>Insurance FAQs</h1>
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                                                                    <span style="color: #FE2E9A;">What is Health Insurance?</span>
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                                                                        The term health insurance (popularly known as Medical Insurance or Mediclaim) is
                                                                        a type of insurance that covers your medical expenses.The concept of health insurance
                                                                        is new but its awareness is growing fast. Health insurance comes in handy
                                                                        in case of severe emergencies. Life is unpredictable, insurance can make it safe
                                                                        and secure from bearing huge financial loss. A health insurance policy is a contract
                                                                        between an insurance company and an individual. Sometimes it is associated with
                                                                        covering disability and custodial needs. The contract is renewable annually. &nbsp;<br />
                                                                        <br />
                                                                        Health insurance is affordable and carries the assurance and freedom from insecurities
                                                                        that threaten normalcy now and then. The type and amount of health care costs that
                                                                        will be covered by the health plan are specified in advance. Health plans are available
                                                                        in two formats, individual and group plans. In an individual policy you are personally
                                                                        the owner of the policy. While in a group plan, the sponsor owns the policy and
                                                                        the people covered under it are called its members.<br />
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                                                                    <span style="color: #0080FF;">What are the types of Health Insurance?</span>
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                                                                        Health care costs have seen a phenomenal rise in the recent times. This has led
                                                                        the customers to insure not only themselves but their family members also. It will
                                                                        cover future medical expenses and other related requirements if it ever arises.
                                                                        The need to insure has gained more importance amongst older generation who is either
                                                                        retired or will retire in the near future. Let us discuss the types of medical insurances
                                                                        available in the market.
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                                                                        <span style="font-size: 18px; color: #8258FA">Medical Insurance</span><br />
                                                                        This is typically a hospitalization cover and reimbursement of the medical expenses
                                                                        incurred in respect of covered disease or surgery while the insured was admitted
                                                                        in the hospital as a patient. Different types of medical insurances are available
                                                                        in the market like individual medical insurance, group medical insurance and overseas
                                                                        medical insurance. There are health policies that reimburse you the actual hospitalization
                                                                        cost for treatment of any disease and are offered by the non-life insurers only.
                                                                        These policies are popularly called "Mediclaim" policies. Other types of health
                                                                        insurances are provided by both the life and non-life insurers.
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                                                                        <span style="font-size: 18px; color: #8258FA">Critical Illness Insurance</span><br />
                                                                        Critical Illness plan insures you against the risk of serious illnesses in return
                                                                        of a premium you are required to pay. This gives you the same security of knowing
                                                                        that a guaranteed cash sum will be paid if the unexpected happens and you are diagnosed
                                                                        with any one of the critical illness. Sometimes a critical illness can change your
                                                                        lifestyle in addition to help within the home or the family. In this type of health
                                                                        insurance plan, the insured receives a lump sum amount within a few days of diagnosing
                                                                        critical illness. Once this lump sum is paid, the plan ceases to remain in force.
                                                                        Typically, a critical illness plan would provide cover for the illnesses mentioned
                                                                        below.
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                                                                        <br />
                                                                        Aorta graft surgery<br />
                                                                        Cancer<br />
                                                                        Coronary artery bypass surgery<br />
                                                                        First heart attack<br />
                                                                        Kidney failure<br />
                                                                        Major organ transplant<br />
                                                                        Multiple sclerosis<br />
                                                                        Paralysis<br />
                                                                        Primary pulmonary arterial hypertension<br />
                                                                        Stroke<br />
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                                                                    <span style="color: #FE2E9A;">Why Health Insurance?</span>
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                                                                        Medical expenses are sky high these days. An appointment with a doctor might churn
                                                                        out big bucks. The elaborate medical treatment expenses could eat into your savings
                                                                        meant for the future. Health insurance policy kicks in to ensure that you get the
                                                                        required treatment and your pocket is still under control. Having health insurance
                                                                        is important because the coverage helps people get timely medical care and improve
                                                                        lives and health. It covers the risk of financial difficulties in the event of long
                                                                        illness. The awareness has been enormous in the last couple of years. This must
                                                                        have been in response to the series of uncertainties people have observed in recent
                                                                        times like the terror attacks.
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                                                                        BENEFITS:<br />
                                                                        Benefit depends on the policy you choose and the coverage it provides. Here is a
                                                                        list of basic coverage provided by most of the health policies.<br />
                                                                        It helps securing a better future by paying a fraction as an expense today called
                                                                        the premium.<br />
                                                                        It reduces saving huge amount of financial losses, risk of financial breakdown in
                                                                        case of expensive medical and post-illness care.<br />
                                                                        It definitely induces a sense of security to the insured.<br />
                                                                        It provides financial security to the family members.<br />
                                                                        It covers your hospitalization and medical bills.<br />
                                                                        It also covers disability and custodial bills.<br />
                                                                        You can avail tax benefits on the premium paid under section 80D of the Income Tax
                                                                        Act.<br />
                                                                        The best factor, you can also opt for health insurance policies even after the age
                                                                        of 60.<br />
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                                                                    <span style="color: #0080FF;">What does your Health Insurance Cover?</span>
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                                                                        Health is an important aspect of our lives. Right from ages we had been cautious
                                                                        and concerned about our health and the risks involved in it. Today the awareness
                                                                        is rising and the response is positive. More people are interested in owning health
                                                                        insurance. Each year new illnesses and disorders are discovered by the researchers.
                                                                        This means our health is at constant risk and is wise to get insured. Health Insurance
                                                                        is a necessity and a measure which helps overcome huge losses. It might be an expense
                                                                        today, for a safe and insured tomorrow. These are the coverage we can broadly define:<br />
                                                                        <br />
                                                                        <span style="font-size: 18px; color: #8258FA">Basic Coverage</span> - A health insurance
                                                                        plan should provide cover for hospital rooms, doctor or surgeon fees, medical tests,
                                                                        medicines and related expenses. It provides you with essential protection plus a
                                                                        range of optional extensions that can be selected to suit your specific insurance
                                                                        requirements.
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                                                                        <span style="font-size: 18px; color: #8258FA">Specific Health Plans</span> - It
                                                                        provides covers for critical illnesses or diseases such as heart attack, kidney
                                                                        failure, etc; most insurers offer critical illness plans. Another set of specific
                                                                        insurance plans target ailments such as diabetes and cancer. These plans offer cash
                                                                        on hospitalization, reimbursement for expenses incurred on surgical treatments,
                                                                        and such like.
                                                                        <br />
                                                                        <br />
                                                                        <span style="font-size: 18px; color: #8258FA">Critical Illness Plan</span> - Critica
                                                                        illness insurance is designed to provide financial assistance in the form of a lump
                                                                        sum, tax-free payout to help you overcome the financial stress and difficulties
                                                                        associated with diagnosis of a serious illness. Critical illness insurance plans
                                                                        supplements mediclaim, which reimburses the hospitalization and medical expenses.
                                                                        Critical illness insurance plans are benefit plans that pay the amount equal to
                                                                        sum assured, if the critical illness strikes, irrespective of expenses incurred
                                                                        on treatment.<br />
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                                                                    <span style="color: #FE2E9A;">What are the factors affecting premium of Health Insurance?</span>
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                                                                        Like any other insurance, the premium for Health insurance also depends on some
                                                                        factors which determine the amount we pay out. At times we generalize paying out
                                                                        the premium as an expense, but remember it is only a precaution for a secure future!
                                                                        It can save us huge loss if the coverage is planned carefully.
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                                                                        <span style="font-size: 18px; color: #8258FA">Age</span> is a major factor that
                                                                        determines the premium, the older you are the premium cost will be higher because
                                                                        you are more prone to illnesses.<br />
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                                                                        <span style="font-size: 18px; color: #8258FA">Previous medical history</span> is
                                                                        another major factor that determines the premium. If no prior medical history exists,
                                                                        premium will automatically be lower. However, if you had suffered from specific
                                                                        illness the premium may turn out to be expensive.<br />
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                                                                        The premium cost also depends on the <span style="font-size: 18px; color: #8258FA">work
                                                                            environment</span> of the insurance buyer. Supposedly the premium of a pilot
                                                                        will be more expensive than that of a teacher, or premium of a miner will be expensive.
                                                                        This is because the job of a pilot and a miner are more hazardous, thus they are
                                                                        more prone to disorders and risks than a teacher.<br />
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                                                                        <span style="font-size: 18px; color: #8258FA">Term of the policy</span> helps in
                                                                        determining the premium, the longer the term the cheaper is the premium and vice
                                                                        versa.<br />
                                                                        <br />
                                                                        <span style="font-size: 18px; color: #8258FA">Claim free years</span> can also be
                                                                        a factor in determining the cost of the premium as it might benefit you with certain
                                                                        percentage of discount. This will automatically help you reduce your premium.<br />
                                                                        <br />
                                                                        <span style="font-size: 18px; color: #8258FA">Coinsurance</span> is the portion
                                                                        of the health plan that requires you to pay a percentage of the coverage meaning
                                                                        that you will essentially be splitting the cost of your healthcare with your insurance
                                                                        provider. For instance, if your health plan has an 80/20 co-insurance rate, your
                                                                        insurance plan pays for 80% of your eligible medical expenses and you are responsible
                                                                        to cover the remaining 20% of the expenses.
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                                                                        <span style="font-size: 18px; color: #8258FA">Copay</span> is available on many
                                                                        individual health insurance plans. This is the amount you pay for a visit to the
                                                                        doctor or for a prescription. Insurance companies use copayments to share health
                                                                        care costs.
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                                                                    <span style="color: #0080FF;">What are the different types of plans?</span>
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                                                                        There are various types of Health insurance plans, depending upon the need and requirement
                                                                        of the user. Almost all the insurance companies dealing with healthcare insurance,
                                                                        provide the following insurance plans:<br />
                                                                        <br />
                                                                        <span style="font-size: 18px; color: #8258FA">Individual health insurance plan:</span><br />
                                                                        <br />
                                                                        Individual insurance caters to the specific health insurance needs of an individual
                                                                        Health Insurance Policy is a standalone policy. To purchase individual insurance,
                                                                        a person must generally answer a health questionnaire and undergo a medical examination
                                                                        to provide evidence of insurability to the insurance company. An insurer may decline
                                                                        coverage on the basis of the applicant's personal habits, health, medical history,
                                                                        age, income or any other factors that bear on risk acceptance. Or the insurer may
                                                                        issue a policy with limitations on coverage.<br />
                                                                        <br />
                                                                        <span style="font-size: 18px; color: #8258FA">Family Floater Plan:</span><br />
                                                                        <br />
                                                                        A floater is a unique plan wherein one single policy covers the entire family. The
                                                                        family is covered under one single sum insured (coverage amount) and there is a
                                                                        single premium charged for the entire family. Basically, the sum insured amount
                                                                        floats over all the members covered.<br />
                                                                        <br />
                                                                        <span style="font-size: 18px; color: #8258FA">Group insurance:</span><br />
                                                                        <br />
                                                                        Group medical insurance offers insurance cover to a group with a common trait –
                                                                        it may be employees of a company, members of a club or an association or members
                                                                        of a co-operative society etc. Many employers now provide medical insurance as a
                                                                        perquisite to their employees. Premium under group insurance is less than a stand-alone
                                                                        individual insurance policy. Group insurance is more flexible and provides more
                                                                        benefits. It is a quick and effective way to extend cover to a large chunk of population.
                                                                        Group insurance ensures that all the members of the group are insured regardless
                                                                        of their health. Thus, even those with health problems, who might not be eligible
                                                                        for individual insurance, can be covered.<br />
                                                                        <br />
                                                                        <span style="font-size: 18px; color: #8258FA">Overseas Health Insurance Policy</span><br />
                                                                        <br />
                                                                        An Overseas Health Insurance policy provides cover for medical expenses incurred
                                                                        abroad for treatment of illness and diseases contracted or injury sustained during
                                                                        the insured period of overseas travel.Anyone who is traveling abroad for business
                                                                        or pleasure or for educational purposes should have this policy.<br />
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                                                                    <span style="color: #FE2E9A;">Do I need Health insurance?</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        As per the studies the health care cost is rising exponentially. And health insurance
                                                                        is a measure to avoid paying out such huge medical bills out of the pocket in unexpected
                                                                        situations like illness or medical treatment. It is advisable to have an adequate
                                                                        coverage to reduce the risk of financial difficulties.
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                                                                    <span style="color: #0080FF;">How is Health insurance affected by my age?</span>
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                                                                        When you grow older you are more prone to illness or disorders. Thus the cost of
                                                                        the insurance rises as per the age.
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                                                                    <span style="color: #FE2E9A;">If a claim is made for a particular ailment, does it become
                                                                        a pre-existing disease for the next policy term?</span>
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                                                                        An ailment for which a claim has already been made does not become a pre-existent
                                                                        disease if there is no break in the term of the insurance policy and is renewed
                                                                        by the due date. However, the ailment becomes a pre-existent disease and exclusions
                                                                        will apply in the event if there is a break in the term of insurance. A break of
                                                                        maximum 7 days is allowed under certain conditions, though it varies by company.
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                                                                    <span style="color: #0080FF;">What is meant by hospitalization?</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        An instance where the insured individual is hospitalized for a minimum period of
                                                                        24 hours can be termed as hospitalization. Specific treatments like dialysis, chemotherapy,
                                                                        radiotherapy, laser eye surgery, dental surgery, etc when the patient is discharged
                                                                        on the same day are also considered hospitalization.
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                                                                    <span style="color: #FE2E9A;">What is 'Any one illness' with reference to health insurance
                                                                        policies?</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        'Any one illness' would mean the continuous period of illness, including relapse
                                                                        within 45 days from the last consultation with the hospital where the treatment
                                                                        was taken.
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                                                                    <span style="color: #0080FF;">Can I claim medical expenses incurred before and after
                                                                        a surgery?</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        You can claim medical expenses incurred 30 days before and 60 days to 90 days after
                                                                        hospitalization, provided they are related to the ailment/accident for which you
                                                                        were hospitalized. Such expenses are termed as pre and post hospitalization. Different
                                                                        insurers treat this differently, hence please check the exclusions and inclusions
                                                                        in the policies. To make matters simple for you, PolicyBazaar compares the features
                                                                        of various policies side by side, making it easier for you to choose the best suitable
                                                                        policy.
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                                                                    <span style="color: #FE2E9A;">Will medical costs be reimbursed from day one of the cover?</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        Typically, there is a waiting period of 30 days, within which no claims by the insured
                                                                        are entertained by the insurer. This waiting period may vary by company.
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                                                                        Are there limits to the number of claims on a Health Insurance Plan?
                                                                        <br />
                                                                        <br />
                                                                        There is no limit to the number of claims per annum but there is a limit to the
                                                                        amount you can claim in a year. Usually, the maximum amount you can claim in a year
                                                                        is limited to the sum insured. However, special plans that provide surgical benefits
                                                                        and daily hospitalization cash allowance have restrictions on the amount you can
                                                                        claim per annum.
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                                                                    <span style="color: #0080FF;">Can I make claims for expenses incurred at home and not
                                                                        in hospital?</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        Yes, you can but there are certain conditions. Such claims are entertained only
                                                                        if the condition of the patient is such that she/he cannot be moved to the hospital
                                                                        or no bed is available. Furthermore, treatment must be provided comparable to that
                                                                        at a hospital or a nursing home. Such claims are known as domiciliary hospitalizations.
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                                                                    <span style="color: #FE2E9A;">What happens when I make a claim on a Critical Illness
                                                                        Plan? Does the policy still continue?</span>
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                                                                        Usually, the policy would cease in the event of a claim. However, certain insurance
                                                                        plans offer to cover the insured for the remaining critical illnesses, at a lower
                                                                        sum assured and a revised insurance premium.
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                                                                    <span style="color: #0080FF;">If an individual is already suffering from a disease,
                                                                        will the health insurance plan still reimburse his or her expenses related to the
                                                                        disease?</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        A health insurance policy would not cover a pre-existing disease in the first year
                                                                        of cover. However, they would be covered after three to four years of continuous
                                                                        renewal.
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                                                                    <span style="color: #FE2E9A;">Will I get a discount at the time of renewal if I do not
                                                                        file any claim during that year? </span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        Yes you will get a bonus for each claim free year. The sum insured increases progressively
                                                                        in respect of each claim free year of insurance, subject to a maximum accumulation
                                                                        of 10 claim-free years. In the event of a claim, if the insured has earned any cumulative
                                                                        bonus, the increased sum insured will be reduced by a fixed per cent at the time
                                                                        of renewal.
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                                                                    <span style="color: #0080FF;">Who will receive the claim amount if the insured dies
                                                                        at the time of treatment?</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        The claim amount is paid to the nominee of the insured. If no nominee is assigned,
                                                                        the insurance company will insist upon a succession certificate from a court of
                                                                        law for disbursing the claim amount. </span>
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                                                                    <span style="color: #FE2E9A;">Saving on Health Insurance Premiums</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        Nobody likes paying more than its worth. Getting the most appropriate and affordable
                                                                        Health insurance is dependent on a few aspects like your choices, capability to
                                                                        choose and of course the health conditions of the policy buyer. But by following
                                                                        a few steps you can save a good lot on your health insurance premium.<br />
                                                                        <br />
                                                                        Smoker’s health is always at risk, so people with smoking habits will end up paying
                                                                        more premium than a non smoker. So in order to reduce the premium, one has to quit
                                                                        smoking.<br />
                                                                        <br />
                                                                        High blood pressure is not a good sign and is advisable to keep it under control.
                                                                        Keeping control on high blood pressure can help you reduce the premium cost.<br />
                                                                        <br />
                                                                        If you are in good health, then automatically your premium cost will be lower than
                                                                        the people whose have health problems.<br />
                                                                        <br />
                                                                        Avail your no claim benefits. Discounts on claim free years will also help reducing
                                                                        the premium at the time of renewal.<br />
                                                                        <br />
                                                                        Comparing the quotes from various insurers is an important aspect to save on health
                                                                        insurance premium. Though you need to shop for a while to have an idea. Make sure
                                                                        you get some affordable online health insurance quotes.<br />
                                                                        <br />
                                                                        Compare the benefits of various health insurance plans. Perform deep research to
                                                                        find out what discounts you can avail for in various appropriate policies.<br />
                                                                        <br />
                                                                        Make your choices for cover very carefully, take only the coverage you require.
                                                                        Your random selection might end you up paying out more than actually required. So
                                                                        a right decision making is important.<br />
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                                                                    <span style="color: #0080FF;">10 tips to choose the right health insurance plan</span>
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                                                                    <span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px;">
                                                                        Compare prices and features before buying. One policy can cost over 3 times the
                                                                        other!<br />
                                                                        If you have a family, go for a Family floater policy. It is more economical and
                                                                        gives higher coverage for each member of the family. In addition it provides the
                                                                        flexibility that any member can use any proportion of the floater. This is helpful
                                                                        because in most cases one individual gets seriously ill, rather than the entire
                                                                        family.<br />
                                                                        <br />
                                                                        Compare the terms of the policy so you do not get a shock later. A broker will be
                                                                        able to provide the best advice since he is largely independent.<br />
                                                                        <br />
                                                                        Do not always adopt a policy with a cashless tie up with a hospital nearby. All
                                                                        good hospitals can be empanelled by insurance companies. Rather look for a policy
                                                                        that fulfils your requirements adequately.<br />
                                                                        <br />
                                                                        Find out all the hospitals that your insurance company has empanelled with and understand
                                                                        what their specialization is, so if you are in need you can use the appropriate
                                                                        hospital, rather than just one all the time.<br />
                                                                        <br />
                                                                        Always it is advisable to buy from a broker, ask for their license number, and check
                                                                        if the details provided are correct from the IRDA website. These brokers are independent
                                                                        and are paid for every policy they sell, so they are not inclined to push one over
                                                                        the other. An agent on the other hand sells for one company only and hence will
                                                                        generally push that company and its benefits. Be truthful and accurate in your declarations
                                                                        on the proposal form. That will only ensure payment when you have a genuine claim.<br />
                                                                        <br />
                                                                        Exercise regularly and follow healthy eating habits. Avoid smoking or drinking in
                                                                        excess. Over time all your efforts will definitely reduce your premium while covering
                                                                        the risk.<br />
                                                                        <br />
                                                                        If you already suffer from a disease, take the necessary precautions. Always act
                                                                        as if you are uninsured, even though you may be insured. This will always control
                                                                        your habits and will benefit you in the long run.<br />
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